Financehttp://cornandsoybeandigest.com/taxonomy/term/5065/more
enWhat happens when repayment fails?http://cornandsoybeandigest.com/blog/what-happens-when-repayment-fails
<div class="node-body blog-body"><p>Throughout the country many lenders and producers dealing with the grain industry may face situations when repayment is not possible this winter and into 2015. With high cash rents and leases, along with input cost creep, there is a strong possibility that 2014 and 2015 may not cash flow and may show negative repayment capacity for many grain producers. Now what? </p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/what-happens-when-repayment-fails" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/what-happens-when-repayment-fails#commentsIssuesFinanceRoad WarriorTue, 02 Dec 2014 22:08:00 +000094741 at http://cornandsoybeandigest.comTips for farmer-lender meetings, communicationhttp://cornandsoybeandigest.com/blog/tips-farmer-lender-meetings-communication
<div class="node-body blog-body"><p>Recently, a farmer asked a panel I was a member of, “How often should farmers and lenders communicate during the year, particularly during the planning season?” The panel recommended having a meeting during planning season followed by a quarterly or semi-annual assessment, along with a year-end evaluation, which is imperative to determine financial success. </p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/tips-farmer-lender-meetings-communication" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/tips-farmer-lender-meetings-communication#commentsIssuesFinanceRoad WarriorTue, 28 Oct 2014 15:18:00 +000094151 at http://cornandsoybeandigest.comBack to the Future, Part 2: Ag lending and financial managementhttp://cornandsoybeandigest.com/blog/back-future-part-2-ag-lending-and-financial-management
<div class="node-body blog-body"><p>An interesting trend in both the 1980s and today is that late in the economic cycle, many lending institutions saw opportunity in the agriculture industry, and thus came into the field of agriculture for profits. </p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/back-future-part-2-ag-lending-and-financial-management" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/back-future-part-2-ag-lending-and-financial-management#commentsCornIssuesSoybeansFinanceRoad WarriorTue, 22 Jul 2014 15:17:00 +000092211 at http://cornandsoybeandigest.comWorking capital: The shock absorber http://cornandsoybeandigest.com/blog/working-capital-shock-absorber
<div class="node-body blog-body"><p>While 33% working capital to revenue is appropriate for cash grain and market livestock businesses because of significant inventory, is this level of working capital too aggressive for dairies, since milk inventory is picked up every day or every other day?</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/working-capital-shock-absorber" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/working-capital-shock-absorber#commentsIssuesFinanceRoad WarriorTue, 10 Jun 2014 22:09:00 +000091501 at http://cornandsoybeandigest.comFarm management, finances make difference in profithttp://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit
<div class="node-body blog-body"><p>After analyzing a data summary of farmers in low, middle and high income brackets, David Kohl shares some core perspectives on asset turnover, coverage ratio and debt servicing ability and profit margins in agriculture.</p> </div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit#commentsIssuesFinanceManagementRoad WarriorTue, 18 Mar 2014 19:01:00 +000089771 at http://cornandsoybeandigest.com3 Benchmarks farmers and lenders need to knowhttp://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know
<div class="node-body blog-body"><p>There are three benchmarks every producer and lender needs to know when handling the moderating grain industry and the positive economics of the livestock sector: the current ratio, net working capital and working capital to gross revenue ratio.</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know#commentsIssuesFinanceRoad WarriorTue, 11 Mar 2014 19:23:00 +000089681 at http://cornandsoybeandigest.comPerspectives on Farm Finance: Part 1http://cornandsoybeandigest.com/blog/perspectives-farm-finance-part-1
<div class="node-body blog-body"><p>The great commodity super cycle has kicked in with high prices. However, the top 20% of producers have developed a total system of management which includes operations, risk management, finance and marketing.</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/perspectives-farm-finance-part-1" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/perspectives-farm-finance-part-1#commentsIssuesFinanceRoad WarriorTue, 17 Dec 2013 14:47:00 +000087631 at http://cornandsoybeandigest.comFarm Balance Sheets: 2010s vs. 1980shttp://cornandsoybeandigest.com/blog/farm-balance-sheets-2010s-vs-1980s
<div class="node-body blog-body"><p>The U.S. farm balance sheet from a debt and equity position is much stronger now than it was in the 1980s. The debt to asset ratio in the 1980s ranged from 20% to 24%, compared to 10% today. That being said, debt was dispersed over a larger number of producers in the prior periods.</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/farm-balance-sheets-2010s-vs-1980s" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/farm-balance-sheets-2010s-vs-1980s#commentsIssuesFinanceRoad WarriorTue, 03 Dec 2013 19:15:00 +000087321 at http://cornandsoybeandigest.comTips for high-quality balance sheetshttp://cornandsoybeandigest.com/blog/tips-high-quality-balance-sheets
<div class="node-body blog-body"><p>High-quality balance sheets initially can be difficult and time-consuming to prepare, particularly given all the livestock and crops involved in diversified and multi-entity operations, but if updated in a timely manner, they're a good financial management tool for farm operations.</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/tips-high-quality-balance-sheets" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/tips-high-quality-balance-sheets#commentsIssuesFinanceRoad WarriorTue, 26 Nov 2013 21:25:00 +000087231 at http://cornandsoybeandigest.comBusiness tips for low-equity, young farmers: Part 2http://cornandsoybeandigest.com/blog/business-tips-low-equity-young-farmers-part-2
<div class="node-body blog-body"><p>If you're a young, low-equity farmer, David Kohl recommends examining incentive programs specifically for beginning farmers, building capital when experiences are profitable and seek a relationship-based lender.</p></div>
<div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li>
</ul></div><p><a href="http://cornandsoybeandigest.com/blog/business-tips-low-equity-young-farmers-part-2" target="_blank">read more</a></p>http://cornandsoybeandigest.com/blog/business-tips-low-equity-young-farmers-part-2#commentsIssuesFinanceRoad WarriorTue, 19 Nov 2013 21:05:00 +000087041 at http://cornandsoybeandigest.com